The insurance adjuster works for your carrier - not for you. Phase III Construction documents your damage, knows what adjusters routinely miss, and stands beside you on inspection day.
When your insurance carrier sends an adjuster, that person's job is to quantify your loss on behalf of the insurance company. The initial estimate they write becomes the anchor for your entire claim. Supplements are possible - but they start from that number. If critical damage is missed on day one, you're fighting uphill from the moment you start.
You are allowed to have a contractor present at any adjuster inspection. Most homeowners don't know this. Phase III does - and we've been doing it for 33 years.
Four categories where undocumented damage consistently costs homeowners thousands.
Adjusters often limit scope to visible field damage. Flashing, ridge cap, pipe boots, satellite mounts, gutters, and secondary structures get overlooked or priced below replacement cost.
Water damage and fire damage travel through wall cavities and sub-floors. Without a contractor present, hidden damage goes undocumented. It's much harder to add later.
Michigan building code may require upgrades when work exceeds a threshold. Adjusters rarely volunteer ordinance-and-law coverage. Phase III knows what to ask for.
A partial roof or siding replacement that doesn't match existing materials means visible mismatches on your home for years. We document and fight for full replacement when matching is required.
Four steps. No complicated process. You call, we come, we document, we stand with you.
Same day you have damage - before you file, before the adjuster is scheduled. Call (734) 237-7322. The earlier we're in, the stronger your documentation baseline.
Phase III does a full photo and scope documentation of your property. This is our baseline - before insurance touches a single item. Every area, every system, every affected surface.
You let them know your contractor will be present. This is your right. Phase III coordinates directly with you on timing - we work around your schedule.
Phase III and the adjuster walk the property. Every item gets documented. We speak Xactimate. Nothing material gets missed. Your settlement starts from an accurate number.
Don't let them come alone. Call Phase III right now - same-day response across SE Michigan.
Call (734) 237-7322Fill this out or call (734) 237-7322. We respond within the hour.
Answers to what homeowners ask us most before the adjuster shows up.
Yes. Homeowners have the right to have any representative - contractor, attorney, or advisor - present during an insurance inspection. Your carrier cannot prevent this. Phase III exercises this right regularly across SE Michigan.
No. Our fee is built into the restoration contract, not charged separately for the inspection. The only thing having us there costs you is a phone call.
It's not too late. Supplements to the initial estimate are standard practice. Phase III builds supplement packages for claims where the initial inspection was incomplete. We've recovered millions in supplemental payments for SE Michigan homeowners.
We answer 24/7 at (734) 237-7322. For scheduled adjuster inspections, we typically confirm and coordinate within hours of your call.
They cannot legally prevent it. Michigan homeowners have the right to representation during the claims process. If a carrier or adjuster objects to our presence, that is a signal - not a barrier.